Bank Comparison
Unified Bank vs Quontic Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Unified Bank | Quontic Bank |
|---|---|---|
| CET1 Ratio | 12.40% | — |
| Tier 1 Capital Ratio | 12.40% | — |
| Total Capital Ratio | 13.07% | — |
| Tier 1 Leverage Ratio | 9.17% | 9.53% |
| Equity / Assets | 8.38% | 10.04% |
Profitability
| Metric | Unified Bank | Quontic Bank |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 0.36% |
| Return on Equity (ROE) | 15.33% | 3.53% |
| Net Interest Margin (NIM) | 3.64% | 3.36% |
| Yield on Earning Assets | 5.25% | 6.77% |
| Cost of Funds | 1.60% | 3.72% |
Asset quality
| Metric | Unified Bank | Quontic Bank |
|---|---|---|
| Texas Ratio | 12.09% | 23.41% |
| Non-Performing Loan Ratio | 1.31% | 3.43% |
| Non-Performing Asset Ratio | 1.06% | 2.38% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 0.85% | 0.20% |
Balance sheet
| Metric | Unified Bank | Quontic Bank |
|---|---|---|
| Total Assets | $852,639K | $852,770K |
| Total Deposits | $681,380K | $759,760K |
| Total Loans | $500,151K | $580,887K |
| Total Equity | $71,431K | $85,624K |
| Net Income (quarter) | $2,784K | $753 |
Liquidity & funding
| Metric | Unified Bank | Quontic Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.40% | 76.46% |
| Core Deposit Ratio | 93.44% | 93.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Unified Bank | Quontic Bank |
|---|---|---|
| Headquarters City | MARTINS FERRY | ASTORIA |
| Headquarters State | OH | NY |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 717974 |
| Regulator | FDIC | OCC |
| Domestic Branches | 19 | 1 |
| Employees (FTE) | 126 | 166 |
| Established | Jan. 1, 1902, midnight | March 14, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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